MORGAN STANLEY

Financial services in the nature of merger, acquisition, restructuring, and other corporate finance activities; tax advisory services; financial accounting services

Investment banking services; financial services in the nature of underwriting, distribution and trading of securities for others; securities brokerage services; investment research services; investment management and advice; financial services in the nature of trading futures, currencies, options, foreign exchange, and commodities for others; financial clearing house; estate planning services; trustee services; administration of employee pension plans; mutual fund brokerage, distribution and investment; derivative securities investment; risk management services; insurance brokerage; insurance administration in the fields of home, vehicle, life, accident, and personal liability insurance; financial planning services; banking services; credit card services; debit card services; check card services; administration of credit card insurance, debit card insurance, and check card insurance; providing financial news and information via a global communications network; providing financial services via a global communications network